I’m sorry it’s not working out for you.
Disney charges because they don’t want to give away things to people they already have coming back. They never try an entice
DVC members with Free dining for example.
MMB certainly provides value for our family.
After the $99 fee we are saving $684 at minimum on 3 DL tickets and the 24 OTUP.
Those are the savings before applying discounted gift cards to make the MMB, OTUP and ticket purchases.
The MM doesn’t really carry value for us this time as one person has an AP with photopass but we may not renew it and then it could add value at that time.